ADPI_044: How To Pay 您r Mortgage Off In 5 Years!!!

2018年11月20日


情节转录:

嘿,这是怎么回事。欢迎来到现役被动收入播客。今天’s情节将是一个很棒的策略,您可以使用它来快速将房屋抵押品建房或更快地还清贷款。因此,您可以使用这笔钱进行投资,储蓄或做任何想要的事情。

嘿,自由战士们欢迎现役被动收入播客。军人,退伍军人及其家属唯一的学习如何通过房地产投资来积累财富的地方。我是您的房东迈克·福斯特(Mike Foster),在这里向您展示如何停止浪费您的利益。现在下车,走上火线,为今天的课程做准备。射手待命。

大家好,欢迎收看现役被动收入播客。今天’的情节太疯狂了。好吧,这是一项关于如何在短短的5年内尽快,甚至更多,甚至更少地还清抵押贷款的策略。取决于您拥有的抵押贷款的数量,取决于您获得的额外收入的数量。它取决于许多正确的因素。还有你的实际纪律。

But I'll tell you that this is one of the ways that you can really pay off a lot of your loan and what you owe during your tour right in a certain area. 让’s说,如果您只是个保守的心态,您真的不想在一家老房子里闲逛。但您宁愿只是知道自己坐在家里,让它建立资产并使用该资产投资其他投资,或者只是让它坐下来收集,您就可以轻松地拥有自己所拥有的抵押贷款,并且不用随着时间的推移支付大量的利息。

This episode is super important for you if you're interested in paying off your mortgage loan faster than the 30 years that you have for it 好的。 Alright so before we get started, it's important to understand a few key principles right. So let's talk about amortized interest versus simple interest first 好的。 So amortized interest is exactly what you know you get from your bank when you try and apply for mortgage.

因此,他们将为您提供完整的摊销时间表,并且这是一笔固定的付款,该费用会随着您按照向银行偿还本金的利息而随时间而波动。如果您每月支付一笔1,000美元的贷款,那么该笔贷款在整个存续期内包括本金和利息在内,该比率将发生变化,并且在利息方面会更高。因为银行想提前把钱存起来。他们想尽快拿钱,但他们也想尽可能多地拿钱,这有意义吗?因此,在这1,000美元的付款中,您可能要支付900美元的利息和100美元的本金,并且您支付的每个月,您的本金付款将增加非常小的金额,可能是几美分,可能是50美分。

这完全取决于您的利率。这取决于你欠的钱多少。好吧。所以 明白。该固定付款将摊销,并且利息和本金将在整个贷款期限内发生变化。您越接近尾声,您支付的本金就越多。显然,您越是从一开始就越正确,则您支付的利息也就越多。说得通?如此简单的兴趣。好吧,简单的兴趣就是这样。很简单。因此,在您被授予权利的贷款期限内,将向您收取该贷款权利的一定百分比,并且您必须在欠款的时间内付款。

现在, 当然,您欠的钱越少,在日期结束时您欠的利息就越少。因此类似,但是没有固定付款。那笔付款总是正确的,所以他们会做的是,他们会说,如果您拖欠了30个月或60个月的贷款,那么无论多长时间都无所谓。他们将收取您欠的任何款项,他们将以您正确收取的利率将其付清,然后将其除以那个时间,他们会说这是您现在必须支付的最低金额,如果您下个月的欠款较少,则该付款将更改。因为很简单。它’s not amortized, so you're not paying a fixed payment. 您’只需每个月支付最低付款,您就可以达到最终总金额。那有意义吗?好吧,请记住这一点。简单的兴趣要好一些。因为通常来说,与您的摊销款相比,这笔付款非常低,可以接受。

好的,请记住这两个重要的概念。因为这将极大地影响我们将要讨论的该策略。但是在我们讨论该策略之前,了解两种不同的产品并了解两者之间的明显区别也很重要。因为很多人对这些事情感到困惑,所以我想确保一切都清楚无误。因此,让我们来谈谈房屋抵押贷款与房屋抵押信贷额度的关系。房屋净值贷款非常简单。这只是您在房屋权中拥有的借入原则的一次性贷款。

让’s说您已经拥有房屋五年,也许您知道10笔巨额贷款中有20笔巨额股权建立了。这是您在家中控制的金额。因为您已经进行了五年的抵押贷款支付,所以您已经在自己的房屋权利中积累了一定数量的本金。那有意义吗?因此,根据您在房屋内积twenty的两万美元,银行将允许您借入一定比例的款项。通常,银行会让您最多借到70%至80%甚至90%的款项。

因为他们不会让您借入全部金额。但是他们会给您一定数量的钱,因此他们会将这笔钱作为一次性贷款给您,一旦您以一定的利息在一定时间内偿还了钱,就是这样。它’没事了。理解房屋抵押贷款和房屋抵押信贷额之间的区别非常重要。该信用额度就像一张信用卡。它是循环债务权。在这种情况下,他们会根据您拥有的房屋净值给您相同的金额,相同的金额。但这是旋转的。

因此,无论何时使用该笔钱,都将向您收取利息,当您还清该笔钱时,您将有该笔钱再次使用。那有意义吗? 摘下您的一些轮子已经开始转动了。因为您会看到我将把两者连接起来。 我将把两种理论联系起来 that simple interest and this revolving line of credit. Because it is absolutely gangster and you definitely want to understand this strategy to its fullest 好的。

因此,既然我们已经奠定了良好的基础,我想向您解释这一切将如何进行。但是将其概念化是有意义的。因此,您必须将这种策略想像成跷跷板,如果您在我们的小访谈中与克莱顿·莫里斯(Clayton Morris)一起收听了我们的最后一集。我们正在谈论他的书,如何在五年内还清抵押贷款,这就是这种策略的来历。它实际上来自前一段时间写的人,我不记得她的名字了。但是这本书是不久前出版的,您知道以多种不同形式教授了这种策略。但是我在教你

特别是关于 您知道这种理论特别来自克莱顿·莫里斯(Clayton Morris)的书,在展览说明页面上有该理论的副本。因此,请务必检查一下。那里’s a link to it and you can go download it and I believe they're also recording the voice-over of it as well. So you have an audio form. If it's not already out, it's coming out soon. So make sure you take a look at that. But anyway so you want to picture this concept as a seesaw 好的。 您 know that on one side right something will force, another side up and then on the other side right it'll force that something down and then the opposite effect happens 好的。

这样您就可以了解一点上下效果。那就是您将要处理的抵押债务。但是您知道您会从右上角开始,以最大的欠款额开始。原因是,如果您以VA贷款权借钱,那么您将VA贷款放到要放零钱的房屋上。这意味着您欠家里的钱最多。因此,我想让您考虑一下,如果您要对自己所控制的房屋净值收取HELOC,您将使用该房屋净值信贷额度来减轻抵押贷款本金的重创。

您’re going to take major hacks in it instead of small hacks. A lot of people think that if they add an extra $100 a month, you know they are going to end up you know kind of shaving off so much time off of their loan and you know what it's unfortunate, but that's not the case. 您 definitely shave off some time, don't get me wrong right. But you'll shave off so much more time taking major whacks at the mortgage up front. Because remember that amortized payment right, that's what's important. Every single month you're paying the same exact amount. Because it's fixed. But what you're doing is you're saving so much more time if you can get that interest and principal ratio to change drastically right. so for example let's say I'm house hacking right, I picked up a book of our 军事 house hacking you know a book off Amazon which you definitely got to go check out right and you're trying to implement one of those strategies right.

So let's say you're renting out to a few of your friends and in a couple different rooms. 您’重新收取您从他们那里赚来的额外钱,然后将这些钱放在年底,或者在每个月递增地投入。现在,您开始做的是开始更改该本息支付权。如果您将其每月放置一次,则每个月都会有所变化。如果您将它放在年底,它将有很多变化。就在今年年底,所以现在您所知道的每笔本金和利息都会受到严重影响,您将开始每月向本金支付更多。这样可以为您节省更多时间。它’了解这一点绝对重要。因为这将是关键。

好的,再次保持相同的示例。让’举例来说,例如,我正在向另外几个不同的朋友砍掉我的两间额外的卧室,而我每个月的租金大约是$ 1,000。因此,我在年底的每个月底欠了我1000美元,现在我已经至少支付了正确的12000美元本金。现在,它的正确性更高了。请了解,您每个月都会同时拥有本金和利息支付权。因此,更多的原则还可以,请不要感到困惑。但是为了求整数,我将只专注于那些额外的付款,可以。

Are you with me? Hope you're with me all right here we go. So at the end of the year I've put down $12,000. Again that was $1,000 from each month extra that I put into my mortgage payment, got it. So that $12,000 now I'm going to go to a bank right and I'm going to go to a local bank. A bank that is smaller and that's in the area and that wants to compete with the bigger banks like the Bank of America, like Wells Fargo or for us right like navy federal or USAA. Right those are two huge banks. 您 want to go to a bank that's really really small and you're local and you want to ask them about their home equity line of credit rates okay and you want to ask if they have any promotional rates. because a lot of local banks will be willing to give you a 0% home equity line of credit for like six months or 12 months right.

无论促销期是多少。因为他们想要您的业务,并且他们了解您认识的人通常倾向于稍后再还清贷款,所以他们可以在后端获得利息。因此,也许下一个十二个月的利率为0%,接下来的两年,三年,但是您的任期很长,您知道5%6%可能更高。也许还可以8%。因此,这还不错,也许您也可以协商。  But what's important is you want to get the promotional period as low in interest as you can okay and here's why. 您’现在要拿走您从银行获得的$ 12,000。好吧,请继续让我回溯,回溯。好的,您要获得的HELOC不会等于您在家中拥有的全部股本,好的,请理解。它 ’将会再次达到平均值的70%到90%。通常情况下,频谱会在较低端。

So if you're going to try and calculate this at home, go for more of that 70 to 80 percent. Okay that's a safer bet. But you know on average you can find anywhere between 70-90%. Some banks will kind of work with you. But okay so understand that that's how much you're going to get 好的。 您’要拿走这笔钱,他们会给您一个帐户。他们’重新建立一个帐户。它’将会与您的银行帐户完全分开,他们会给您支票。他们可能会给您发卡的权利。他们可能会让您知道所有这些不同的事情,因此您可以设置自己的特定帐户,然后要做的就是将所有费用与该帐户对齐。

您’再将您的薪水支票与该帐户对齐 and here's why. 您 want to be much disciplined with this strategy. because what you're going to do is you're going to take that money as soon as they give it to you and you're going to write yourself a check directly to the principal of your loan right, of your mortgage loan and that check is going to shave off, let's say around 12,000 or so right dollars of your principal all right of what you owe and it's going to drastically affect your next and your future mortgage payments. Does that make sense? 您’re going to now start paying a whole lot more in principal at the beginning of each month right with each mortgage payment. But you're still going to pay your mortgage off all right and you're going to do that within this account that they set up for you in your home equity line of credit right. 您’重新纪律好吧。了解您必须严格遵守该策略。因为目标是何时将所有费用都花在该帐户上,所以您也要使收入与该帐户保持一致。

Essentially you're going to save your money every single month and in saving your money right, let's say that extra $1,000 that you're getting at the end of each year; you save that money and you don't spend it. 您’最终将还清您的房屋净值信贷额度。因此,在第一年内,如果您节省了$ 1,000,而您的目标是还清$ 12,000。您可以在第一年内还清该笔款项,并且只要第一年的利息为0%(您知道促销期还可以),就无需支付任何利息。你在跟我来吗因此,您所支付的那笔大笔款项现在已经影响到您以后要支付的所有其他抵押贷款。

但是您的收入将用于提供房屋净值信贷额度帐户和费用 are taking out of it each month. So you're not changing your lifestyle. 您’只是按照您在每月储蓄策略上的行为受到纪律,最终您将自己还清。好吧,我希望这是有道理的。

So now again that seesaw right. So now you know when you take that home equity line that you borrow that money from your principal right and you chop down your mortgage payment, you have that home equity line of credit that you now owe right. 您 still owe that debt. but your housing principal right just came down a little bit, which is great right and now you're starting to pay off that HELOC right even more and more each month and now you're getting you know now you're bringing that home equity line and your principal back at the same balance right.

But understand too now you have just forced more equity into your home 好的。 Because by the end of that promotional period, you've paid off that HELOC and you've also built more equity in there from the time it took you to pay off that line of credit 好的。 Guys this is huge, this is absolutely huge 好的。 Stay with me, there's more. Now at the end of that year; now you've built more equity. 您 go in and you do it again. 您 find another bank to give you maybe another promotional period of 0% interest or maybe something really really low or maybe you even renegotiate with the bank that you currently got right and because you paid off that loan within that first year.

告诉他们您想借更多的钱,并且希望获得相同的促销期。这是个好人,您可以像这样与银行协商,如果他们可以为您做,那就太好了。如果不是,也许他们做不到,也许他们会给您较低的利率,然后您就去找另一家银行。也许他们会与之竞争,甚至可能更低,然后您将其带回另一家银行,这样您就可以轻松地进行这种谈判。它’可能的话,您可以做得到。所以不要害怕。但我希望你明白我现在在说什么。

您 go and you take exactly what you did and you rinse and repeat 好的。 您 borrow more equity right. 让’s说现在您有24,000个,可能还不止于此。也许您现在已经积累了30,000美元的股本。尝试并尽可能多地尝试,然后放下,现在您可以还清了。现在了解一下,如果您不赚取任何额外的收入以在第一年左右的时间内每月偿还这笔钱,那完全没问题。好吧,这很好,这就是为什么 okay.

您 do as much as you can to get to that promotional period and at the end of that promotional period, if you still have money that you owe; understand that you have built more equity in your house. So what you can do is you can go to another bank and you can ask them for a home equity line to refinance the one that you currently owe. 您’从中获得更多的钱,因为您拥有更多的权益。但是您还可能获得另一个零利率的优惠期,如果您不知道该利率为零,那么这又可能更低,这一切也取决于您的信用评分。

So you really want to make sure too that your credit is you know high or in good standing. 您 know at least enough with the bank to give you this kind of perks 好的。 So keep that in mind too. All right that is very important.

Okay so here's what we're going to do right. 您’re going to take that strategy and you're going to continue to do this and you'd be surprised guys, you can pay your home off. 您 can pay your mortgage off so much faster than you thought you ever could 好的。 They give you this 360 amortization schedule and when you look at it, your eyes just like pop out of your head with how much you're paying the bank and interest over the 30 years of that loan.

It’s insane. But when you implement this strategy, you realize how much less you're paying an interest. Because you're cutting down that amortized interest time and you're converting it into simple interest time 好的。 Do you understand what I'm talking about here? 您 will have so much less interest to pay overtime with a home equity line of credit right. Which is kind of like a credit card then you will paying that amortize fixed payment over time 好的。 Guys I'm telling you this strategy is amazing 好的。 您 definitely need to wrap your head around it and understand it and really dig into it.

我强烈推荐 你们拿起那本书,以及克莱顿·莫里斯(Clayton Morris)在五年内如何还清抵押贷款。现在,您可以在所有可以听到或可能听不到的媒体上使用它。我不知道,但是在亚马逊上, 你知道iTunes。去看看,这是一个非常非常短的阅读。但是它非常清晰和定义,而且令人惊讶。因为这确实可以改变您的生活,并且确实可以帮助您在房屋中快速建立资产,现在您可以用来进行投资,投资,而且我不知道您是否会购买其他可以帮助您实现自己的目标的资产财务未来。我从不建议您在房屋上采用房屋净值信贷额度来购买负债。我从不建议这样做。我绝对有110%的人知道您恳求您去购买可以为您带来现金流的资产。因此,您可以还清房屋净值线。但是,您还可以获得比支付还多的利息。那有意义吗?因为您正在利用银行的资金来帮助您建立更快,更有效的行列。

Because that is what we are all about. Okay we are trying to teach you guys the faster and more effective strategies. Is there risk involved with this strategy? Okay this home equity line of credit strategy? Yes there is and I'll tell you what the risks are. 您 will face two risks out there. if the market right decides to tank and now you don't have as much equity you know on your home as you think you do, that is a problem okay and so that might derail your strategy on you a little bit 好的。 But you know are there ways that you can help you know counter the strategy? well you can instead of taking a home equity line of credit for a hundred thousand dollars on the equity that you have in your home right in case that you know you don't end up having that in like a year, you could take something smaller.

Maybe take twenty thousand, maybe take thirty thousand right. Something that you'll be able to pay off you know should anything happen to your home. But you can also still do a very considerable chunk and a whack at your home. Okay, so there's kind of you like your risk mitigation and that factor right. Now there's another risk and really this comes down to yourself right. 您 have to be honest with yourself in am I disciplined enough for this strategy. Will I be able to save that money or am I going to spend it on something that comes up.

因为男人的生活总是会好起来的。但是,在您建立财富时,您必须非常专注于自己的策略。因为任何妥协都会使您脱轨,最终使您陷入困境。不’没关系,没关系。因此,您必须对策略有一定的纪律性,才能使其生效。因为我告诉您这是该策略无法正常运行的第一原因。它’因为您没有纪律,这是因为您让生活中发生的一切使您偏离了取得成功的计划。我了解生活是疯狂的,许多事情都会发生。

但是,如果您有不良的消费习惯,可以理解,您需要控制自己的消费习惯。因为您不想最终接受,因为从本质上来说这是第二抵押权。您要在房屋上进行第二次抵押,而最后要做的就是结清很多债务,而第二次抵押无法偿还这些债务,而很多债务将使您永远用银行还清你知道的,好吧。因此,我将保留它。好的,但是功能强大的家伙。我真的希望你们能在那里检查一下策略。因为这绝对可以为您带来改变。

尤其是如果您知道自己将去该地区,因为您知道三到四年的巡回演出权,并且也许您已失去指挥权,那么您将每天赚很多钱。这绝对是可以帮助您的。因为您可以按每个Diem收取,您可以将其用于抵押的这些额外付款,并真正改变您的生活。

Alright alright, guys well that about wraps it up. Thank you so much for listening. Man, I really hope that you guys really check out and digging into this strategy. Because like I said man this is game-changing. 您 can really really affect the trajectory of your financial future. Alright anyway, enough said on that, check out the show notes. 您 can check out the links to that books that I mentioned and also

您 can check out the link to our 军事 house hacking book. If you're trying to figure out ways that you can generate extra income from the empty space in your home, you need to read this book 好的。 Military house hacking, you can buy it off Amazon right. It’真的很便宜。到那里去抓住它。也请与我们联系。我们希望收到大家的来信,并听听大家在做什么。

Check out our Facebook page, check out our Instagram. 您 can always hit us up at www.activedutypassiveincome.com where you can keep connected with the team and find out what we're up to alright. Love you guys, catch you later.

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